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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,368 | $102,393-6.9% | $147,041-35.1% | $80,911+17.9% |
| Participation rate | 30.3% | 75.9%-45.6pp | 82.2%-51.9pp | 67.6%-37.3pp |
| Annual return | 9.00% | 134.95%-125.9pp | 419.21%-410.2pp | 35.63%-26.6pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,787 | $6,647-73.1% | $8,071-77.9% | $4,297-58.4% |
| Admin fee / account holder | $3,376 | $7,943-57.5% | $13,006-74.0% | $6,935-51.3% |